AdiFinancial Wealth Private Limited

01/10/2026

Comment “NRI TDS” 👇

Buying property from an NRI? Don’t assume TDS is 1%.🚨

From 1 Oct 2026, the compliance process changes, but the TDS obligation doesn’t disappear.

A ₹1.5 Cr property transaction can mean lakhs in TDS, depending on the applicable rate, surcharge and cess.

Before you sign the sale deed, get the TDS right.

Comment “NRI TDS” and I’ll send you the NRI Property TDS Calculator.



Disclaimer: AdiFinancial Wealth is an AMFI registered Mutual Fund and SIF Distributor. This video is for educational purposes only and does not constitute financial or investment advice.

💬 Want to start investing smartly? DM us today! 🚀💡
For More Information, Contact Us-
📧 [email protected]
🏢 605, White Square, Wakad-Hinjewadi Road, Hinjewadi, Pune 411057 India
For Investments - 📞 +91 98341 64033
For Loans and Insurance - 📞 +91 81779 30043
For Tax Advisory - 📞 +91 73879 36020

30/09/2026

COMMENT “GLOBAL” 🌎 to get our **International Investing Guide.

MONQ50 went from ₹142 → ₹472 → ₹187.
But at its peak, investors were paying almost 4X its NAV.

The lesson?
ETF price ≠ ETF value.

Before investing globally, know what you’re buying, and what you’re actually paying for.



Disclaimer: AdiFinancial Wealth is an AMFI registered Mutual Fund and SIF Distributor. This video is for educational purposes only and does not constitute financial or investment advice.

💬 Want to start investing smartly? DM us today! 🚀💡
For More Information, Contact Us-
📧 [email protected]
🏢 605, White Square, Wakad-Hinjewadi Road, Hinjewadi, Pune 411057 India
For Investments - 📞 +91 98341 64033
For Loans and Insurance - 📞 +91 81779 30043
For Tax Advisory - 📞 +91 73879 36020

26/09/2026

26/09/2026

₹1.5 CRORE Home Loan. 20 Years or 30 Years? 👀

This was the situation of an NRI client in Dubai buying a home for his parents in India.

He had 2 objectives:

1️⃣ Keep liquidity available for emergencies & family needs
2️⃣ Still be able to close the loan in 20 years

At 7.5% interest:

20-year loan: EMI ≈ ₹1.21L
30-year loan: EMI ≈ ₹1.05L

That creates ~₹15,957/month of liquidity.

Now suppose he invests that difference for 20 years:

📈 8% CAGR → ₹93.99L
📈 12% CAGR → ₹1.58Cr
📈 15% CAGR → ₹2.39Cr

After 20 years, the 30-year loan would still have ~₹88.36L outstanding.

So after using the investment corpus to completely close the loan, he could potentially be left with:

👉 8% → ₹5.63L
👉 12% → ₹69.50L
👉 15% → ₹1.51Cr

That’s the real strategy:
Keep the lower EMI → preserve liquidity → invest the difference → potentially close the loan in 20 years → and still have a corpus left.

Your loan tenure and investment strategy should be planned together.

Comment “HOME LOAN” and I’ll send you the Smart Home Loan Calculator.

Illustrations only. Investment returns are not guaranteed. Tax impact on potential capital gains has not been considered.



Disclaimer: AdiFinancial Wealth is an AMFI registered Mutual Fund and SIF Distributor. This video is for educational purposes only and does not constitute financial or investment advice.

💬 Want to start investing smartly? DM us today! 🚀💡
For More Information, Contact Us-
📧 [email protected]
🏢 605, White Square, Wakad-Hinjewadi Road, Hinjewadi, Pune 411057 India
For Investments - 📞 +91 98341 64033
For Loans and Insurance - 📞 +91 81779 30043
For Tax Advisory - 📞 +91 73879 36020

23/09/2026

Sideways markets don’t test your patience. They expose your behaviour. 👀

Stopping SIPs. Chasing what’s working. Buying every dip. Abandoning good investments.

Which one have you done?

Before you change your portfolio, comment “REVIEW” for a FREE initial portfolio review.



Disclaimer: AdiFinancial Wealth is an AMFI registered Mutual Fund and SIF Distributor. This video is for educational purposes only and does not constitute financial or investment advice.

💬 Want to start investing smartly? DM us today! 🚀💡
For More Information, Contact Us-
📧 [email protected]
🏢 605, White Square, Wakad-Hinjewadi Road, Hinjewadi, Pune 411057 India
For Investments - 📞 +91 98341 64033
For Loans and Insurance - 📞 +91 81779 30043
For Tax Advisory - 📞 +91 73879 36020

20/09/2026

UPI was built to be simple, instant and free.

From October 15, that changes for certain merchant payments above ₹2,000.

Only 4% of transactions may be affected — but they represent roughly 67% of the value.

So the real question is:

Who really pays? 👀

Comment “UPI” for our FREE UPI MDR Calculator & Checklist.



Disclaimer: AdiFinancial Wealth is an AMFI registered Mutual Fund and SIF Distributor. This video is for educational purposes only and does not constitute financial or investment advice.

💬 Want to start investing smartly? DM us today! 🚀💡
For More Information, Contact Us-
📧 [email protected]
🏢 605, White Square, Wakad-Hinjewadi Road, Hinjewadi, Pune 411057 India
For Investments - 📞 +91 98341 64033
For Loans and Insurance - 📞 +91 81779 30043
For Tax Advisory - 📞 +91 73879 36020

19/09/2026

Comment “WEALTH RATIO” 👇 and get the AdiFinancial Wealth Ratio Calculator.

Your salary tells you what you earn.
Your Wealth Ratio tells you how much of it you’re actually converting into wealth.

Calculate yours. 📊



Disclaimer: AdiFinancial Wealth is an AMFI registered Mutual Fund and SIF Distributor. This video is for educational purposes only and does not constitute financial or investment advice.

💬 Want to start investing smartly? DM us today! 🚀💡
For More Information, Contact Us-
📧 [email protected]
🏢 605, White Square, Wakad-Hinjewadi Road, Hinjewadi, Pune 411057 India
For Investments - 📞 +91 98341 64033
For Loans and Insurance - 📞 +91 81779 30043
For Tax Advisory - 📞 +91 73879 36020

14/09/2026

Wishing you and your family a very Happy Ganesh Chaturthi! May Bappa bless you with happiness, good health, prosperity and success. Ganpati Bappa Morya! 🌺

09/09/2026

₹1 crore home loan. ₹1 crore cash. Repay or invest? 🤔

Most people would immediately repay the loan. But the real question is: what is the opportunity cost of doing that?

I’ve built a Smart Home Loan Calculator to compare both scenarios — monthly surplus and lump sum.

And here’s the interesting part: change the assumed return from 12% to just 8% and see what happens.

Comment “LOAN” and I’ll send you the calculator. 👇



Disclaimer: AdiFinancial Wealth is an AMFI registered Mutual Fund and SIF Distributor. This video is for educational purposes only and does not constitute financial or investment advice.

💬 Want to start investing smartly? DM us today! 🚀💡
For More Information, Contact Us-
📧 [email protected]
🏢 605, White Square, Wakad-Hinjewadi Road, Hinjewadi, Pune 411057 India
For Investments - 📞 +91 98341 64033
For Loans and Insurance - 📞 +91 81779 30043
For Tax Advisory - 📞 +91 73879 36020

05/09/2026

Returning to India with a US 401(k)? 🇺🇸➡️🇮🇳

Don’t withdraw it just because you’re moving back.

Your age, residential status, withdrawal amount and timing can dramatically change the tax outcome.

And yes, DTAA + Foreign Tax Credit can matter.

Calculate first. Withdraw later.

Comment “401K” for the Returning NRI 401(k) Scorecard.



Disclaimer: AdiFinancial Wealth is an AMFI registered Mutual Fund and SIF Distributor. This video is for educational purposes only and does not constitute financial or investment advice.

💬 Want to start investing smartly? DM us today! 🚀💡
For More Information, Contact our NRI Desk -
📧 [email protected]
🏢 605, White Square, Wakad-Hinjewadi Road, Hinjewadi, Pune 411057 India
For Investments - 📞 +91 98341 64033
For Loans and Insurance - 📞 +91 81779 30043
For Tax Advisory - 📞 +91 73879 36020